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https://money.com/best-rv-insurance/
Coverage when you rent your RV, without a commercial policy
Partners with top insurance companies such as National General, Progressive, and Safeco Insurance
Offers 24/7 claims support
A comparison-shopping marketplace that offers quotes from multiple providers
Coverage for adventure vehicles
Money’s editorial team has evaluated RV insurance providers since 2016. Our research and analysis consider customer satisfaction, financial stability, coverage options and availability, among other factors. Read the full methodology to learn more.
Coverage options
Standard collision, comprehensive and liability coverage, total loss replacement, replacement cost/personal effects, vacation liability, full-timers liability, loss assessment, emergency expense, horse trailers and more.
Discounts
Multi-vehicle, original owner, pay-in-full, responsible driver, prompt payment, disappearing deductibles and more.
Bundles
Auto, renters, homeowners, motorcycle or boat insurance bundle
Why we chose it: Progressive is our best RV insurer overall for its competitive catalogue of RV inurance products as well as its available discounts, which offer plenty of opportunities to save money, including the rare combination of disappearing deductibles and accident forgiveness.
While it costs extra, Progressive’s diminishing deductible benefit allows you to reduce your deductible by 25% every time you renew your policy without filing a claim or getting a traffic violation. After several claims-free periods, RV owners can get their deductible down to zero. The benefit is automatically included at no cost when you purchase comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for a claim of $500 or less is also included at no cost — this means your premium won’t increase if you file a claim of $500 or less for your first “at fault” accident.
Members of the military and family can also get Progressive RV insurance through USAA and save an additional 5% on their insurance policy.
Though Progressive is often recommended by users on RV online forums, the insurer is rated average in terms customer satisfaction (as is the case with most U.S. insurers). It ranks slightly below industry average on multiple J.D. Power Auto Insurance surveys and earned a C grade from the Crash Network, which gathers information from auto shops regarding repairs and customer satisfaction.
Learn more: Progressive RV insurance review
Coverage options
Standard comprehensive, collision and liability, uninsured/underinsured motorist, personal property coverage, additional expenses coverage, full replacement cost coverage, nationwide towing and roadside assistance
Discounts
Payment history, paid-in-full, paperless billing, advance quote, safety features, driver safety program, mature drivers and favorable loss history
Bundles
Car or life insurance bundle
Why we chose it: Auto-Owners Insurance has an impressive customer service record and fewer complaints with the National Association of Insurance Commissioners (NAIC) than most of its competitors. It’s also one of the few insurance providers in the country with a B grade from Crash Network.
In J.D. Power’s 2024 Auto Insurance Customer Satisfaction Study, Auto-Owners Insurance earned above-average rakings in Florida and the Central region, which includes Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, and South Dakota.
Auto-Owners Insurance also stands out from major insurers nationwide with a B rating in Crash Network’s, 2024 Insurer Report Card. For this survey, body shops nationwide are asked to evaluate whether insurers prioritize quality repairs and good customer service for motorists. Most auto insurers with the largest market share in the U.S. got a grade of C+ or less.
Coverage options
Roadside assistance, towing and labor, vacation liability, safety glass replacement, RV replacement cost and personal effects coverage
Discounts
RV safety course, RV association, paid-in-full, good driver, continuous coverage and more
Bundles
Home or auto insurance. Two or more ATVs, boats, motorcycles, snowmobiles or scooters
Why we chose it: Most RV insurers offer discounts, but Nationwide’s list is notably extensive. The insurer offers over 10 different discounts including discounts for staying claims-free and installing safety devices, like smoke detectors.
Beyond standard home, car and life insurance bundles, Nationwide offers unique opportunities to save money. You can get a premium discount for taking safety courses, joining an RV organization like the National RV Association and paying your annual policy upfront. Nationwide will also reduce your premium if you’ve insured your RV with another provider and maintained continuous coverage. Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process.
In terms of customer satisfaction, Nationwide has mixed reviews. In J.D. Power’s 2024 Auto Insurance Study, the insurer ranks lower than the industry average in several regions of the country. Crash Network’s Insurer Report Card, which measures quality repairs and customer service for motorists, also gave Nationwide a C grade. That said, J.D. Power’s 2024 U.S. Auto Claims Satisfaction Study — which only looks at the claims process — places Nationwide at a higher spot.
Learn more: Nationwide RV insurance review
Coverage options
Personal belongings, vacation liability, specialized equipment, permanent attachments, full replacement cost, purchase price guarantee, emergency expenses, roadside assistance and more
Discounts
Diminishing deductible, storage savings and low mileage discount
Bundles
Auto and RV insurance
Why we chose it: National General has a host of specialized coverages designed to fit the needs of every type of RV owner, including unique benefits such as coverage for specialized equipment, pet insurance and policies compliant with Mexico insurance law.
National General’s coverage for specialized equipment is particularly good for RV owners who want t invest in (and protect) upgrades such as solar panels, custom wheels or modified suspension systems.
And though competitors offer some of these benefits as well, certain add-ons such as pet coverage and policies compliant with Mexico insurance law to facilitate cross-border travel, aren’t as common. National General also offers coverage options for full-time RV living, vacation liability, accident forgivenes and more.
With National General, RVs are eligible for full replacement cost coverage during their first five model years, regardless of ownership (some companies limit this benefit to original owners). National General also offers a generous purchase price guarantee that’s available during the vehicle model’s first nine years on the market (other insurers may not offer this guarantee if the vehicle is more than five years old). This optional benefit reimburses the customer up to the original cost of the vehicle in case it’s stolen or totaled.
One notable downside is Nationwide’s D+ rating on Crash Network’s Insurer Report Card, Though the survey doesn’t distinguish between RVs and cars, a low rating regarding repairs and customers service might be of concern.
Learn more: National General RV insurance review
Coverage options
Varies per insurer but most offer comprehensive, collision, liability, property damage, personal injury protection, roadside assistance, full replacement cost coverage and other specialized benefits, such as full-time RV insurance
Discounts
Premium reduction if RV is in storage, multi-vehicle, paid-in-full, multi-policy, safety and anti-theft devices discounts, and more
Bundles
Vary by provider
Why we chose it: Good Sam Insurance Agency a great option for people who want to compare policies from multiple providers on a single platform and with the help of licensed agents who can match you to the right company.
Good Sam is an independent agency that partners with well-known insurers like Progressive, Foremost, Safeco and National General — all of which offer RV insurance policies that can suit the needs of most RV owners, whether they just use the vehicle for seasonal travel or intend to live in it. The company also collaborates with MexicoInsuranceOnline.com to connect clients to Mexico-based insurers that offer add-ons for cross-border travel, whether for single-day trips or extended stays.
If you’re a part-time RV user, Good Sam partners with insurers that allows you to reduce monthly premiums by suspending collision and liability coverage if your RV or trailer remains unused and in storage for over 30 days. Furthermore, Good Sam also helps craft personalized policies for full-time RVers who need extra coverage. Those additions could include reimbursement for food and lodging if your RV is in the shop or medical expenses coverage if someone is injured inside your RV or the surrounding area.
Learn more: Good Sam RV insurance review
Coverage options
Total loss replacement, roadside assistance, full-timer RV and motorhome, RV rental, commercial RV insurance and more
Discounts
Military discount
Bundles
None — Roamly specializes in RV insurance
Why we chose it: With Roamly, you can rent out your RV and the company won’t cancel your coverage. You’ll still need to get (and pay for) a separate rental insurance policy for the duration of the rental but Roamly will resume coverage once the rental period is over.
With Roamly, you can keep your original insurance policy and get a specialized rental policy that covers you during the rental period through a platform like Outdoorsy (owned by Roamly). You don’t have to notify Roamly that you’re renting out the RV or pay any additional rental fees (something other insurers may charge). This arrangement stands out because most insurers typically decline to insure you and may even drop your coverage if you rent the vehicle to someone else.
Rented RVs typically require comprehensive commercial insurance due to their higher risk exposure when compared to personal vehicles. Outdoorsy’s protection packages for hosts include up to $1 million in liability coverage and up to $300,000 in comprehensive and collision coverage. Renters who book their RV through Outdoorsy can opt for a separate package that includes travel medical insurance as well as trip and interior damage coverage.
Learn more: Roamly RV insurance review
During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to seven companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.
RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence. The agency works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.
Why we didn’t pick it: Though RVinsurance.com partners with reputable insurers it didn’t stand out when compared to similar RV insurance agencies.
AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics.
Why we didn’t pick it: AAA didn’t make our list because coverage information isn’t readily accessible. You also have to be a member, which costs anywhere from $65 to $125 annually.
Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy.
Why we didn’t pick it: Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited. That said, RV owners interested in Allstate insurance can check out National General, an Allstate company and one of our top picks.
Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability).
Why we didn’t pick it: Geico’s policies aren’t available nationwide, and its website lacks crucial details, such as available discounts.
Insuring an RV is tricky — recreational vehicles fall somewhere between a car and a home. Your car insurance may include a towable trailer in its liability coverage, and your homeowners’ insurance may cover your motorhome while it’s parked in the driveway, but neither of those policies offers sufficient coverage. The manufacturer’s warranty also falls short — these policies cover mechanical failure, not damage from accidents or extreme weather events.
That’s where specialized RV insurance comes in. This type of coverage combines the benefits of auto and homeowner’s insurance policies to cover most of the challenges you may face as an RV owner; those include mechanical failure, inclement weather, theft or damage to the vehicle or your belongings and even emergency lodging and transportation if you lose access to your RV while traveling.
Read on for a detailed breakdown of the coverage and cost of an RV insurance policy, as well as tips on how to select the best coverage.
People who use their motorhomes for weekend getaways or periodic vacations should at least have basic liability coverage that meets their state’s minimum requirements.
For added peace of mind, part-time RVers may also want:
Full-time RVers may want some or all of the coverages mentioned above as well as any of the following:
RV insurance won’t cover the following:
As when insuring a car, the cost of RV insurance depends on the owner’s driving record, the type of vehicle, its age, condition and features, and how much you use it.
According to data published by Progressive, it costs an average of $600 a year to insure a travel trailer with a policy that includes liability, comprehensive and collision coverage. The same coverage for a motorhome costs a little over $1,000. If you’re taking out a liability-only policy, the average premium is much lower, at about $125 per year.
According to other online estimates, a class A motorhome with state-of-the-art components is by far the most expensive type of RV to insure. Averages range from $1,000 to $4,000 for a 12-month policy.
The following factors influence the cost of an RV insurance policy:
While these may vary by company, most insurers offer rate discounts for:
Rarer discount options for RVers include:
Drivers aged 50 and up may also snag a lower rate, at least until they reach their 70s, as can parents or guardians who don’t insure drivers under 25 on their policy.
Here are some tips on how to find and purchase the right RV insurance coverage for you.
Take stock of how you use your RV and what you want to protect. People who live in their RV full time have different insurance needs than occasional users or people who rent out their vehicle. (RV rental platforms like RVShare and Outdoorsy require rental insurance for any vehicle listing.)
Your auto insurance policy may cover towable campers or fifth-wheel trailers but not motorhomes. And while auto policies cover liability while using the RV, they generally exclude property damage to the trailer and any belongings or appliances stored inside.
Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.
If you’re renting an RV, an RV rental insurance policy specifically designed for that purpose is essential. It typically covers liability, collision damage, personal accidents, and personal effects. You can get it through the rental company or your insurer. Your existing car or RV insurance may also provide some rental RV coverage. However, it may not apply in certain states or for trips over 30 days, so check with your insurer.
RV insurance costs depend on factors such as your driving history, where you live, the type of vehicle you own and how you use it. For the best rates, compare quotes from multiple insurers using an online marketplace or by consulting an independent insurance agent.
It also pays to shop around when the policy’s renewal comes around, especially if no loyalty discounts have yet kicked in – and if your premiums have risen from the previous year.
During this step, it’s important not to withhold details from your insurance provider, such as how you plan to use the RV. You might save a few bucks on your premium by not disclosing that you plan to live in the RV, for instance, but the omission could backfire on you. If you were to file a claim and the insurer discovered that you misrepresented information, they could reject the claim and even cancel your coverage.
You can save money by bundling your RV policy with auto, home, renters, boat or even life insurance policies from the same provider. These discounts typically save you 5% to 10% off the total cost to buy each policy separately. Bundling also helps you avoid the hassle of dealing with different companies when you have to file multiple claims – for, say, weather damage to your home and vehicles, including your RV.
Renting out your RV is considered commercial use, so your insurance won’t cover the renter — they’ll need to obtain their own insurance.
That said, platforms like RVshare, Go RV Rentals, and RV Plus offer their own insurance while the RV is rented. If you use these platforms, review each company’s fees, support, renter screening and protection policies.
In some states, like Arkansas and Wisconsin, drivers need special licenses in order to drive RVs legally. Ensure that anyone borrowing your RV has the required license for your policy to apply.
To rent out an RV, most states require that you have at least liability coverage, which covers damages or injuries you cause to others in an at-fault accident.
All states except New Hampshire and the District of Columbia require liability coverage for vehicles, including self-propelled RVs. For towable RVs, you need only enough coverage to protect your belongings, not additional liability insurance. (An exception is when the trailer is financed, in which case the lender will likely require comprehensive and collision coverage as part of the loan agreement.)
Trailer insurance requirements vary by state and by type of trailer. Most state governments require liability insurance, while others also require uninsured motorist coverage.
Currently, only two states don’t require any type of trailer insurance. You can drive an uninsured vehicle in Virginia if you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.
Legally, you don’t need additional insurance for a non-motorized trailer hooked up to a towing vehicle. The vehicle’s insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability and does not cover your belongings or any damage to the trailer.
Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase separate RV insurance for added protection.
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